About

MortgagePilot started from a simple annoyance: every "mortgage payment" calculator stops at principal and interest, so people systematically under-budget by hundreds of dollars a month. We built a calculator that adds the real costs — property tax, homeowners insurance, HOA and PMI — and keeps the rate current by pulling the Freddie Mac weekly average automatically.

How it works

• Calculations run in your browser — nothing about your loan is sent to our servers.
• Rates are fetched daily from the Freddie Mac Primary Mortgage Market Survey and baked into the pages.
• Thousands of long-tail pages (specific loan amount × term × rate, by state) are generated so search engines can surface the exact scenario you searched for.

This site is for planning only. For a real loan decision, talk to a licensed lender in your state.